Randy Roberts | Health and Life Insurance Agent | Allentown, PA 18109

Archive for the ‘Local’ Category

The Benefits of Drinking Coffee

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The Benefits of Drinking Coffee Image 1

I know that title grabbed your attention, you coffee addicts!

That’s not an insult as I am an avid coffee drinker myself. 

To put it simply, coffee is awesome and I’d bet a fare wager that many people on the planet agree with me.

Nonetheless, today’s post will be for the non-believers and my fellow addicts that want some scientific evidence to compliment their love for coffee.

So what are the benefits of coffee?


The Benefits of Drinking Coffee Image 2

1) Coffee can actually increase your energy levels

Many coffees contain caffeine, which is a stimulant. 

Basically it’s what wakes you up. How caffeine works is it goes through the blood then into your brain. 

Once in your brain, it will increase the production of neurotransmitters (i.e. norepinephrine & dopamine). 

These neurotransmitters will begin to fire on all cylinders causing a huge burst of energy within you. 

This is the abridged version of how that works. 

2) Coffees reduces your risk for common diseases

Even if you don’t drink this beverage all day like a maniac, moderate doses can still provide benefit. 

Studies have found that people who drink a moderate amount of coffee per day tend to show an 11% lower risk of heart failure, 40-50% decreased risk of liver cancer, and a 28% lower risk of Type 2 Diabetes. Thank you coffee!

3) Coffee possesses lots of antioxidants

I don’t want to bore you with chemistry jargon, so if you want the full fledge definition of oxidants, the dictionary is still your friend.

In my own words, oxidants (a.k.a. free radicals) are broken down byproducts that can be in the body or outside of the body, which at high levels can break down cells over time.

As we get older, our bodies can’t fight off these oxidants the way they used to resulting in more buildup and greater damage to our cells. This leads to the development of diseases such as heart disease, cancers, and diabetes. 

Antioxidants are molecules that fight off these oxidants either by decreasing the amount that’s built up in the body or lessening their effectiveness. 

This is why you see so many products with labels boasting about antioxidants. 

the benefits of coffee image 4

Yeah, that about wraps things up. Coffee is great for these reasons and many more. Not that you ever needed convincing but at least now you know why. Short and sweet. If you have more comments to add, don’t hesitate to drop your thoughts below. 

Sources:

Gunnars, K. (September 2018). 13 Health Benefits of Coffee, Based on Science. Healthline. Retrieved from https://www.healthline.com /nutrition/top-13-evidence-based-health-benefits-of-coffee

Nordqvist, J. (July 2019). Health benefits and risks of drinking coffee. Medical News Today. Retrieved from https://www.medicalnewstoday .com/articles/270202.php

Villines, Z. (July 2017). How do free radicals affect the body? Medical News Today. Retrieved from https://www.medicalnewstoday.com/articles /318652.php

New Tripoli PA Health Insurance

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Know the Facts – Get Affordable Quality Health Insurance in the Lehigh Valley, PA

Health insurance and healthcare are changing rapidly, so for the latest information and advice near New Tripoli call HealthMarkets Randy Roberts Insurance Agency. For over 10 years they have been serving customers in Allentown, Bethlehem, Easton, Coopersburg, Northampton, Bath, Danielsville and surrounding towns. HealthMarkets knows the ins and outs of health insurance policies and what to look for in affordable coverage. Our free service will help you find the right health insurance for you and your family.

Big Changes Announced in Health Insurance Affecting New Tripoli & US

Low Cost Plans
Perhaps most on people’s minds is the cost of health insurance. In recent times, changes now allow states like Pennsylvania to apply for waivers from the ACA insurance mandates. By doing this, it allows insurance companies to offer more affordable insurance. There are people who don’t want insurance or feel they need the coverage required by the ACA. For many, even the ACA subsidies do not lower costs enough for New Tripoli residents who found the Obama era plans unaffordable. These new low cost plans are also eligible for ACA.

New Technology Leading the Changes
New technologies are leading and shaping the changes we see everyday in how doctors diagnose and treat New Tripoli medical problems. Digital technology gives the promise of better access of medical information and lower overall costs to patients. Advances such as laser and laparoscopic surgery have greatly reduced hte risks and have sped up patient recovery times. New technologically based innovations are even changing the age old patient/doctor relationship. Patients can now connect with doctors in some areas through a Smart Phone app without an office visit. Many routine health issues can be handled right from the patient’s New Tripoli home.

Urgent & Immediate Care
No emergency room required in many cases…Urgent Care, Immediate Care, and Express Care services are trending and now commonplace in New Tripoli, Lehigh Valley. Many routine health concerns that once could only be addressed elsewhere can now be by these facilities. They are considered convenient, affordable, and sometimes even life saving. Fortunately their services are also covered by most insurance plans. They serve to help relieve the longtime pressure on hospital emergency rooms from having to treat non-urgent health problems.

Gap Insurance
Sometimes good hard working people in New Tripoli and nearby find themselves through no fault of their own between jobs and without insurance. We all know that it may take quite some time for new graduates in New Tripoli to find suitable work after completing their schooling. Young adults have until the age of 26 to stay on their parents policy these days. Both of these potentially difficult situations bring about situations where health insurance may easily lapse. Much to the chagrin of many, the Affordable Care Act removed the gap policies that had once helped these individual. The good news is now these policies are back. Shorter-term health coverage plans help individuals for up to a year and can be renewed for up to three years.

The Business of Healthcare
Within the oft described messy healthcare industry, we’re seeing major shifts some would have never even conceived of. New Tripoli area Providers and insurers are consolidating. The reason they say they’re partnering is to reduce the cost of delivering healthcare to customers. The mergers between insurance companies and providers in theory helps to reduce duplication and hopefully effectively manage patient care. One recent example, Aetna merged with CVS. More and more, companies are seeking to merge services with suitable business partners in an increasingly complex business environment.

Easily Choose Better Health Insurance in New Tripoli PA

The detailed, professional advice from Randy Roberts Insurance Agency is offered at no cost to you. We work with nationally recognized insurance provider companies to offer both quality and affordability to New Tripoli residents, whether the insurance is inside or outside of the ACA exchanges. We are and stay totally current on the latest changes and offerings. High quality, affordable insurance is our business, so we can better serve our New Tripoli and other clients each and every day.

The Randy Roberts Insurance Agency handles all the following kinds of insurance:

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Available New Tripoli Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Insurance Terms You Need to Know

Deductible
This is the amount you have to pay before the insurance starts to kick in and take up your cost. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, you still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and you bear the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your New Tripoli doctor or healthcare provider you pay a fee which can vary depending on who you see and where you go. If you stay within a specified area or network the fee is less. Consulting with a specialist usually costs more.

Prescription Plan
Many plans only offer prescription coverage in New Tripoli as additional insurance for an additional premium. If you must take several medications then this coverage is something you should have. Insurers often pay 100% or only have a small copayment if you use a generic drug. Most costly name-brand drugs may have higher copayments.

Supplemental Plans
There are several kinds of supplemental plans for specific New Tripoli healthcare issues like dental and vision. Each of these has a wide range of options for the amount of coverage you may want or need. Other supplemental plans are available for those who need extended nursing care or rehabilitation services. An Income Protection can replace lost income if you cannot work for an extended period of time.

The Right Insurance Plan in New Tripoli, PA for You

Randy Roberts and Healthmarkets will help you to truly understand how much your medical care will cost. Whether you rarely use it, or if you use your insurance to its upper limits. We can often change your monthly payment amount substantially by altering other parts of the Health Insurance equation.

We work with you to choose the best health insurance plan in New Tripoli. At the HealthMarkets Randy Roberts Insurance Agency, we eliminate gaps in coverage. You get what you need, and we get you protected with the best possible Health Insurance options for you and your family in or near New Tripoli.

Call Lori at HealthMarkets/Randy Roberts Insurance today at (610) 905-2800 and let us find the right insurance for you.

Health Insurance by Agent Bill Zeky

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Health Insurance Northampton PA

People in Northampton are asking where they can find decent, affordable health insurance. Increasingly, Northampton businesses are dropping health insurance they used to give employees. State and federal law uncertainty make it even more confusing. People wonder if they can find plans they can afford.

HealthMarkets Randy Roberts Insurance Agency has affordable health insurance products for families in Northampton and the Lehigh Valley. Randy Roberts shops nationally recognized providers to locate plans that fit your budget and your family.

HealthMarkets serves the cities of Allentown, Bethlehem, Easton, Coopersburg, Northampton, and Pen Argyl. Randy Roberts looks for the best insurance at the best price. He listens to your needs so you have the coverage you want at a price you can afford.

Choosing the Right Plan in Northampton PA
With dozens of insurance plans and options that are continuously changing, Randy Roberts cuts through all the red tape. He talks directly with the companies to show you how he compares their policies and prices to find the best fit.

No Initial Charges
Our service is free in Northampton. You pay nothing for our expert help. We work with nationally known insurance companies who specialize in quality, affordable insurance.

Our Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Available Insurance Plans in Northamton PA

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products
  • Insurance Glossary

Deductible
This is the amount you are responsible for before the insurance begins: the lower the deductible, the higher the monthly premium. An accident or hospital stay could quickly reach the deductible.

Coinsurance
This is percentage you share with the insurer after the deductible is met. For example, insurance pays 80% and you pay 20% after the deductible. There is usually a maximum out of pocket amount after which the insurance covers 100%.

Copayment
Copayment is what you pay directly to the provider when you visit. The Copayment is usually higher for providers outside a preferred network and higher for a specialist.

Prescription Plan
Insurance plans can offer prescription plans as a policy rider at an additional cost. For someone on regular medications this coverage may be a great benefit.

Maximum Out of Pocket Cost
We want to make sure that you are comfortable with what your plan coverage and the costs you may have to pay. We help you to understand what the actual cost could be when you use your insurance.

Monthly Payments
We strive to keep monthly premiums affordable without substantially changing other parts of the Health Insurance equation.

Supplemental Plans
Supplemental plans can be used to fill in gaps in insurance coverage. For example, Dental and Vision plans are supplemental. Critical care and Hospitalization are other options to cover costs of a critical illness or a hospital visit that are not covered by other insurance. Income Protection can also be written into a plan in the event an illness leaves you unable to work for a time.

Call the Randy Roberts Insurance Agency & HealthMarkets today at (610) 554-7332 and let us find the right insurance in Northampton for you.

Wynnewood PA Health Insurance

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Who Should You Call for Affordable Health Insurance in Wynnewood, PA

With all of the never ending changes, you really need good advice from a professional who knows health insurance the the options available. Many people in Wynnewood are calling Andrew Dascoli at the Randy Roberts HealthMarkets Insurance Agency. As business professionals, we understand your need and search to find the best health insurance coverage for the best price. We ask the right questions to make sure you get the right coverage for you and your family.

Every day the news in Wynnewood and abroad is filled with debates about the high costs of medical care and health insurance. All that can be said for certain is that the healthcare system is going to keep changing. The other message to take away is that going without any health insurance is a gamble. Everyone, at one time or another, will need medical care and routine checkups can catch and treat issues before they become serious problems.

Why You Shouldn’t Try to Go Without Health Insurance in Wynnewood

Here are just a few reasons you shouldn’t try to go without health insurance in Wynnewood. Many people don’t comprehend the financial ruin that can overtake families without adequate insurance, and it happens more frequently than you’d expect.

1. The increasing price of medical an related industry services is in front and center in the news every day. People in Wynnewood and elsewhere still often put off buying health insurance that can cover them. The consequences of this for a growing family can be awful financially. The good news is that many insurance regulations are changing for the better. Affordable health care policies are becoming available as state and federal rules evolve.

2. Having a serious accident, illness, or mishap can leave you or your family saddled with debt for many years. Medical costs are one of the most significant factors in personal bankruptcies. Andrew at Randy Roberts Insurance can find a plan that fits your needs and your budget in Wynnewood, so you don’t have to run the risk of going without health insurance coverage.

3. Lower cost plans are finally being allowed again. Once again, states like Pennsylvania can apply for waivers from ACA insurance mandates. So, insurance carriers can offer more affordable policies to those who don’t want or need coverage required by the ACA. Even with subsidies, the Exchange plans were often too expensive for many in Wynnewood. These low cost plans are ACA compatible.

4. New and sometimes cutting edge technology is lowering costs and helping to make healthcare more accessible. The way doctors diagnose and treat medical issues has even changed recently. Digital technology now gives many patients easy access to their personal medical information as never before. Laser and other high tech surgery methods have improve both risk and recovery times. In some locations such as Wynnewood, patients and doctors can now connect with each other through a Smart Phone app without an office visit. You can connect to medical providers from your home.

5. Urgent Care, Immediate Care, and Express Care provide services for many of the routine Wynnewood health concerns that once went to emergency rooms at higher costs. This affordable,convenient option is usually covered by insurance. Emergency rooms are left to focus on severe health problems.

6. Gap Insurance, which was eliminated under the ACA, is now available again as of this writing. When Wynnewood individuals find themselves between jobs and with lapse in health insurance, short-term health plans cover them for up to 12 months and can be renewed for up to three years.

7. The healthcare industry as a whole has been undergoing major internal transformation and will continue to do so for the foreseeable future. Many providers and insurers are attempting mergers to reduce the higher costs of delivering healthcare services. Insurance companies and healthcare providers are trying to integrate to reduce high cost redundancy and more efficiently manage patient care. Now, insurance companies are seeking to merge their business services with sensible business partners.

Our Wynnewood Health Plan Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Our Wynnewood Area Insurance Plans

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

New Healthcare Reforms in Wynnewood
Healthcare has been evolving at an accelerating pace in the USA for many years. New technologies and company mergers are improving access and affordability. Regulations change constantly at both the state and federal level.

For the latest up to date information on how this affects you call the Andrew Dascoli at HealthMarkets Randy Roberts Insurance Agency, the leading provider of affordable, customizable health insurance plans centered on you.

How Changes Affect You
To offer easier and more efficient access to healthcare, providers are opening numbers of Urgent Care facilities. These healthcare venues are popping up in malls and main streets in towns large and small. Urgent or Immediate Care centers offer treatment for most common health issues. Patients can avoid unnecessary trips to more expensive hospital emergency rooms. Also, patients can get an immediate appointment instead of waiting days or weeks to see a doctor. ER’s can take care of more severe health problems and injuries.

Now, states can be granted for waivers from ACA regulations so insurers can offer more affordable coverage. ACA subsidies are also available for this type of insurance.

Short-term health plans are back. These interim plans are in effect for up to 12 months but can be renewed for up to three years. Short-term policies fill lapses in coverage for people between jobs or seeking a job after finishing their education.

Leaps in technology have improved access to care and the efficiency of health services. Some patients connect with their medical team through Smart Phone apps from their own homes. This new technology shows great promise for treatment of a wide range of health concerns.

Finally, providers have been merging with insurance carriers to streamline efficiency and avoid duplication. For example, Aetna recently merged with CVS in an effort to reduce duplication and associated costs. Other providers are joining in as they see the advantages of merging.

Choosing the Right Insurance Plan

There are so many plans and different options to choose from so he can help you cut through all the confusion. Let the Andrew Dascoli at Randy Roberts Insurance Agency make the calls. He compares the plans and costs to find you the insurance plan that is the right for you.

Our services are completely free to you. That’s right, our help and expertise costs you nothing. We work with the big national insurance companies to offer quality, affordable health insurance coverage.

Insurance Glossary

Deductible
This is amount of money you are responsible to pay before any insurance remuneration begins: the higher the deductible, the lower the monthly premium. A major accident or major illness reaches the deductible quickly.

Coinsurance
This is a percentage of the medical cost you share with your insurer. For example, if your insurance covers 75% then you pay 25% after you reach the deductible. After a maximum out of pocket is reached, insurance covers 100%.

Copayment
A Copayment is what you pay on a doctor visit or when seeing a specialist. The copayment is often lower for providers within a designated network and higher for a specialist.

Prescription Plan
Insurance plans can offer prescription plans as a policy rider at an additional cost. For someone on regular medications this coverage may be a great benefit and can stave off financial shortfalls.

Maximum Out of Pocket Cost
We want to make sure that plan coverage and the costs meet your needs and expectations. You don’t need insurance until you need it for your and your family.

Monthly Payments
We strive to keep monthly payments affordable without substantially changing other parts of the Health Insurance equation.

Supplemental Plans
Supplemental plans can be used to fill in gaps in insurance coverage. For example, Dental and Vision plans are considered supplemental. Critical care and Hospitalization are other non-required items to cover costs of a critical illness or a hospital visit that are not covered by regular insurance. Income Protection can also be written into a plan in the event an accident or illness leaves you unable to work for a long period of time.

Call Andrew Dascoli at Randy Roberts today and get the right Wynnewood insurance coverage for you and your beloved family.

Lansdowne PA Health Insurance

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7 Reasons You Can Buy Affordable Health Insurance Now in Lansdowne PA

Every day the news in Lansdowne and abroad is filled with debates about the high costs of medical care and health insurance. All that can be said for certain is that the healthcare system is going to keep changing. The other message to take away is that going without any health insurance is a gamble. Everyone, at one time or another, will need medical care and routine checkups can catch and treat issues before they become serious problems.

One other takeaway from all this debate is that it pays to use the services of a professional Lansdowne insurance agent who has the latest information on what policies are available, how much they will cost, and what they will cover. Call Andrew Dascoli at the Randy Roberts Insurance Agency for the latest information on plans offered in Lansdowne, Pennsylvania. His expert advice costs you nothing. It’s free. He works with nationally recognized insurance companies that provide quality, affordable individual and group privately or through the Affordable Care Act (ACA) exchanges. He keeps abreast of the latest changes and details on insurance plans so he can meet his clients needs.

Why You Shouldn’t Try to Go Without Health Insurance in Lansdowne

Here are some reason you should not go without health insurance for you and your Lansdowne family. Many people don’t understand the financial ruin that overtakes families without it more frequently than you’d expect.

1. The increasing price of medical services is in the news almost every day. Yet, people in Lansdowne and elsewhere still delay buying health insurance that can cover them. The consequences can be financially disastrous. The good news is that the insurance regulations are changing. Affordable health care policies are becoming available as state and federal rules evolve.

2. An serious illness or mishap can leave you or your family with debts for years. Medical costs are significant factor in personal bankruptcies. Randy Roberts can find a plan that fits your needs and your budget in Lansdowne, so you don’t have to run the risk of going without health insurance coverage.

3. Lower cost plans are finally being allowed again. Once again, states like Pennsylvania can apply for waivers from ACA insurance mandates. So, insurance carriers can offer more affordable policies to those who don’t want or need coverage required by the ACA. Even with subsidies, the Exchange plans were often too expensive for many in Lansdowne. These low cost plans are ACA compatible.

4. New technologies are lowering costs and making health care more accessible. Even the way doctors diagnose and treat medical issues is changing. Digital technology gives patients easy access to personal medical information. Laser and laparoscopic surgery improve both risk and recovery times. In some locations, patients and doctors in areas such as Lansdowne can now connect with each other through a Smart Phone app without an office visit. You can connect to medical providers from your home.

5. Urgent Care, Immediate Care, and Express Care provide services for most routine Lansdowne health concerns. This convenient and affordable alternative is usually covered by insurance. Emergency rooms are left to focus on severe health problems.

6. Gap Insurance, which was eliminated under the ACA, is now available as of this writing. When Lansdowne individuals find themselves between jobs and with lapse in health insurance, short-term health plans cover them for up to 12 months and can be renewed for up to three years.

7. The healthcare industry itself is undergoing major internal transformation. Providers and insurers are merging to reduce the cost of delivering healthcare. Insurance companies and providers integrate to reduce duplication and efficiently manage patient care. More and more, insurance companies are seeking to merge services with suitable business partners.

Our Lansdowne Health Plan Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Our Lansdowne Area Insurance Plans

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Insurance Glossary

Deductible
This is amount of money you are responsible to pay before any insurance remuneration begins: the higher the deductible, the lower the monthly premium. A major accident or major illness reaches the deductible quickly.

Coinsurance
This is a percentage of the medical cost you share with your insurer. For example, if your insurance covers 75% then you pay 25% after you reach the deductible. After a maximum out of pocket is reached, insurance covers 100%.

Copayment
A Copayment is what you pay on a doctor visit or when seeing a specialist. The copayment is often lower for providers within a designated network and higher for a specialist.

Prescription Plan
Insurance plans can offer prescription plans as a policy rider at an additional cost. For someone on regular medications this coverage may be a great benefit and can stave off financial shortfalls.

Maximum Out of Pocket Cost
We want to make sure that plan coverage and the costs meet your needs and expectations. You don’t need insurance until you need it for your and your family.

Monthly Payments
We strive to keep monthly payments affordable without substantially changing other parts of the Health Insurance equation.

Supplemental Plans
Supplemental plans can be used to fill in gaps in insurance coverage. For example, Dental and Vision plans are considered supplemental. Critical care and Hospitalization are other non-required items to cover costs of a critical illness or a hospital visit that are not covered by regular insurance. Income Protection can also be written into a plan in the event an accident or illness leaves you unable to work for a long period of time.

Call Andrew Dascoli at Randy Roberts today and get the right Lansdowne insurance coverage for you and your beloved family.

Darby PA Health Insurance

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Darby Health Insurance – How to Easily Find & Buy It Affordably in PA

The high costs of medical care are in the news every day and yet many people from near and far choose to forgo buying health insurance coverage to protect their assets and their families in Darby, PA. The good news is that the laws governing health insurance are changing and more affordable health care plans are being made available through easing of state and federal regulations.

To get the latest information on plans offered in Darby Pennsylvania, contact the Andrew Dascoli at the Randy Roberts Insurance Agency. Our expert advice is offered at no cost to you. We work with nationally recognized insurance companies to offer quality, affordable insurance through or outside of the Affordable Care Act (ACA) exchanges. We are up on the latest developments and offerings for quality, affordable insurance so we can better serve you.

A sudden illness or accident can leave you with a mountain of bills and debts that could take years to erase. In fact, medical bills are major cause of personal bankruptcies in Darby and elsewhere. Randy Roberts can find a plan that fits your needs and your budget so you don’t have to run the risk of going without health insurance coverage.

Low cost plans are now available in Darby, PA. In a recent development, states like Pennsylvania can apply for waivers from ACA insurance mandates. In doing so it lets insurance companies offer more affordable insurance to those who don’t want or need coverage required by the ACA. Even with the subsidies, many found the Exchange plans unaffordable. These low cost plans are also eligible for ACA.

New technologies are reducing costs and making Darby health care access more affordable. New technologies are changing the way doctors in the metro Philadelphia area all around Darby diagnose and treat medical problems. Digital technology gives patients better access to their medical information. Laser and laparoscopic surgery have reduced risk and recovery times. Patients and doctors in some areas can now connect with each other through a Smart Phone app without an office visit. You can connect to medical providers from your home.

Urgent Care, Immediate Care, and Express Care can handle care for most routine Darby health issues. This convenient and affordable alternative is covered by most insurance plans. Emergency rooms can concentrate on severe health problems.

Gap Insurance, which was prohibited under the ACA is once again available. Sometimes Darby individuals find themselves between jobs and with lapse in health insurance. Short-term health plans cover individuals for up to 12 months and can be renewed for up to three years.

The healthcare industry itself is experiencing major structural changes. Providers and insurers are partnering to reduce the cost of delivering healthcare. Insurance companies and providers integrate to reduce duplication and efficiently manage patient care. More and more, insurance companies are seeking to merge services with suitable business partners.

Choosing the Right Insurance Plan in Darby with Ease

The professional advice from Andrew Dascoli in Darby at the Randy Roberts Insurance Agency is offered at no cost to you. We work with nationally recognized insurance companies to offer quality, affordable insurance inside or outside of the ACA exchanges. We stay current on the latest changes and offerings of high quality, affordable insurance so we can better serve our clients.

Avoid the Headaches Finding Darby PA Health Insurance Plans

Avoid all the headaches and confusion by calling the Andrew Dascoli at Randy Roberts Insurance Agency. It costs nothing and you get professional advice from professionals who know the business. We will help you find the right plan for you and your family in Darby.


No Upfront Cost – We Research Affordable Health Insurance Plans – Darby PA

A wealth of professional health & medical insurance advice is always available at no cost to you at Randy Roberts Insurance Agency. We work with only US recognized insurance companies to offer quality, affordable Darby, PA health insurance. We can get you set up either inside or outside of the ACA exchanges. We stay current on the latest changes and offerings available for high quality, affordable insurance. This is what always makes us better able to serve you amongst our Darby clients.

The Randy Roberts Insurance Agency handles all the following kinds of Darby insurance:

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Available Darby Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Darby Insurance Terms You Need to Know

Deductible
This is the amount you have to pay before your health insurance starts to take up the cost. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins paying out funds, you still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and you bear the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your Darby physician or healthcare provider, you pay a fee which can vary depending on who you see and where you go. If you stay within a specified area or network, the fee will most always be less. Consulting with a specialist usually costs more.

Prescription Plan
Many plans only offer prescription coverage in Darby as additional insurance for an additional cost. If you must take several medications then this coverage is something you should have. Insurers often only pay 100% or offer a small copayment if you use a generic drug. Most costly name-brand drugs may have much higher copayments.

Supplemental Insurance Plans
There are many types of supplemental insurance plans for specific Darby healthcare issues like dental care and vision. Each of these has a wide range of options for the amount of coverage you may want or need. Other supplemental plans are available for people needing extended nursing care, long term care, or rehabilitation services. An Income Protection plan can replace your lost income if you are not able to work for an extended period of time.

The Right Health Insurance Plan in Darby, PA is Critical for Your Family Budget

Healthmarkets understands how much your medical care will cost if you have no insurance or wind up using the upper limits of your insurance. Please know, we can often change your monthly payment amount substantially by altering other parts of the Health Insurance equation.

We can find and help you choose the best health insurance plan for your beloved family in Darby. At the HealthMarkets Randy Roberts Insurance Agency we eliminate gaps in coverage to meet all of your needs and protect you with the best possible Health Insurance options. We care about you and your family in Darby, PA 19023.

Call Andrew at HealthMarkets today at (610) 439-9959 and let us find the right insurance for you.

Chester PA Health Insurance

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7 Things to Know When Buying Affordable Quality Health Insurance near Chester, PA

As you probably see every day, Healthcare and Health Insurance are largely on the minds of everyone in the nation. People we speak with locally in Chester, PA are wondering how new laws, executive orders, and court cases will affect their health coverage, and what they need to do to make sure they have quality affordable insurance.

1. The rising costs of medical care are in the news daily but many people in Chester and elsewhere decide to delay buying health insurance coverage that would protect themselves from potentially catastrophic financial loss. The good news is that the laws governing health insurance are changing and more affordable health care policies are being made available through easing of state and federal regulations.

Contact the Andrew Dascoli at the Randy Roberts Insurance Agency to get the latest information on plans offered in Chester, Pennsylvania. Our expert advice is offered at absolutely no cost. We work with nationally recognized insurance companies to offer quality, affordable insurance inside or outside of the Affordable Care Act (ACA) exchanges. We stay current on the latest changes and offerings of high quality, affordable insurance so we can better serve our Chester area clients.

2. An unexpected illness or sudden accident can leave you or your family in Chester with mountains of bills and debts that could take years to pay. In fact, medical bills are significant factor in personal bankruptcies. Andrew Dascoli can find a plan that fits your needs and your budget so you don’t have to run the risk of going without health insurance coverage.

3. Low cost plans are becoming available. In a recent development, states like Pennsylvania can apply for waivers from ACA insurance mandates. This permits the insurance carriers to offer more affordable insurance to those who don’t want or need coverage required by the ACA. Even with the subsidies, many found the Exchange plans unaffordable. Even these low cost plans are eligible for ACA approval in Chester and abroad.

4. New technologies are helping to reduce costs and make health care more affordable. Many of these change the way doctors diagnose and treat medical issues. Digital technology can give patients better access to their medical information. Laser and laparoscopic surgery reduce risk and recovery time. Patients and doctors in some areas can now connect with each other through a Smart Phone app without an office visit. You can connect to medical providers from your home in Chester.

5. Urgent Care, Immediate Care, and Express Care can handle care for most routine Chester health issues. This convenient and affordable alternative is covered by most insurance plans. Emergency rooms can concentrate on severe health problems.

6. Gap Insurance, which was banned under the ACA, is once again available. Sometimes individuals located in Chester find themselves between jobs and with lapse in health insurance. Short-term health plans are once again possible to get and cover individuals for up to 12 months and can be renewed for up to three years.

7. The healthcare industry itself is undergoing major internal changes. Providers and insurers are partnering to reduce the cost of delivering healthcare. Insurance companies and providers integrate to reduce duplication and efficiently manage patient care for Chester residents. More and more, insurance companies are seeking to merge services with suitable business partners.

Avoid the Headaches Finding Health Insurance Plans in Chester PA

Avoid all the headaches and confusion by calling the Andrew Dascoli at Randy Roberts Insurance Agency. It costs nothing and you get professional advice from professionals who know the business. We will help you find the right plan for you and your family in Chester.


No Upfront Cost – We Research Affordable Health Insurance Plans – Chester PA

The professional health advice at Randy Roberts Insurance Agency is always available at no cost to you. We work with nationally recognized insurance companies to offer quality, affordable Chester, PA health insurance inside or outside of the ACA exchanges. We stay current on the latest changes and offerings available for high quality, affordable insurance. This makes us able to better serve you, our Chester clients.

The Randy Roberts Insurance Agency handles all the following kinds of insurance:

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Available Chester Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Chester Insurance Terms You Need to Know

Deductible
This is the amount you have to pay before your health insurance starts to take up the cost. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins paying out funds, you still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and you bear the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your Chester physician or healthcare provider, you pay a fee which can vary depending on who you see and where you go. If you stay within a specified area or network, the fee will most always be less. Consulting with a specialist usually costs more.

Prescription Plan
Many plans only offer prescription coverage in Chester as additional insurance for an additional cost. If you must take several medications then this coverage is something you should have. Insurers often only pay 100% or offer a small copayment if you use a generic drug. Most costly name-brand drugs may have much higher copayments.

Supplemental Insurance Plans
There are numerous kinds of supplemental insurance plans for specific Chester healthcare issues like dental care and vision. Each of these has a wide range of options for the amount of coverage you may want or need. Other supplemental plans are available for people needing extended nursing care, long term care, or rehabilitation services. An Income Protection plan can replace your lost income if you are not able to work for an extended period of time.

The Right Health Insurance Plan in Chester, PA is Critical for Your Family Budget

Healthmarkets understands how much your medical care will cost if you have no insurance or wind up using the upper limits of your insurance. Please know, we can often change your monthly payment amount substantially by altering other parts of the Health Insurance equation.

We can find and help you choose the best health insurance plan for your beloved family in Chester. At the HealthMarkets Randy Roberts Insurance Agency we eliminate gaps in coverage to meet all of your needs and protected you with the best possible Health Insurance options. We care about you and your family in Chester, PA (encompassing all zip codes – 19013 19015 19016 19061 19086).

Call Andrew at HealthMarkets today at (610) 439-9959 and let us find the right insurance for you.

Walnutport PA Health Insurance

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Know the Facts to Buy Affordable Quality Health Insurance near Walnutport, PA

Most people see it every day as Healthcare and Health Insurance in Walnutport, PA and abroad are often on the minds of many people in the US. Americans are constantly wondering with all the uncertainty how new laws, executive orders, and court cases will affect their health insurance and family coverage. They’re trying to figure out what they must have in place in order to make sure they have quality, affordable healthcare and insurance. At Randy Roberts Insurance Agency, we can answer or help to answer all of these important questions. It doesn’t need to be hard to figure out. We take the confusion out of health insurance, and find the best coverage you can get, affordably providing you with both great coverage and peace of mind.

The seemingly never-ending increasing costs of healthcare are on people’s minds perhaps mostly because it’s in the news daily. Many people seem to subscribe to the old saying, “Ignore it and it will go away.” Many are delaying buying health insurance plans, and what they may not fully realize is the coverage they don’t have would protect them from catastrophic financial loss in the event of an unexpected detrimental life event like a bad accident. Not having health coverage is a big gamble for most people. It may very easily result in tremendous financial difficulty. There is light at the end of the tunnel though. The laws overseeing the health system are changing. New, affordable healthcare coverage plans are more and more coming available through the recent relaxing of state and federal regulations.

Contact Lori Heimbach at the Randy Roberts Insurance Agency to get the latest on the best available plans in your budget that are offered in Walnutport, PA. Both Lori and the team’s combined expertise along with trusted advice is 100% free to tap into. There is no cost to those shopping for health insurance. We’re closely connected and trusted by the bulk of the most nationally trusted health insurance companies. Our practice is only offering you plans that give quality, affordable health insurance. And these plans can be either inside or outside of the ACA – Affordable Care Act exchanges. We’re constantly working and staying up to spec on the latest changes and plan offerings. This is the reason we’ll always be able to find high quality, affordable insurance that other agencies just can’t. Generally we’re able to better serve our clients.

Our convenient, free personalized service helps you find the best health insurance for your family.

Large Scale Change in Health Insurance in Walnutport, PA

Healthcare, Insurance and the Unexpected
Unfortunately, an unforeseen sickness or sudden major accident can render your household with a pile of debt and unpaid bills that could incapacitate your family for years to come. Large health and medical bills are all too often a weighty factor causing personal bankruptcy in the United States. Lori Heimbach works diligently to find you the correct plan to fit your needs and household budget. Because of this we can be extremely confident you will not ever need to go without health any or even adequate health insurance coverage. The risk is just not necessary.

Low cost health plans with the right coverage are increasingly available. This is often because states such as Pennsylvania are now applying for Affordable Care Act mandate waivers. This now enables insurance carriers to offer more insurance options to those persons who may not have wanted or needed the coverage required by the old version of the law. Even with the required market subsidies, many found the limited options on the exchanges unbearably costly. Now for an added plus, the new low cost plans being offered meet the ACA needs.

As fresh new technologies are coming available, they are now helping to cut costs making healthcare affordable more of the time. Many of the newer technologies are changing or have the potential to change the way doctors view and diagnose medical problems. In addition they can change how they treat them. Digital and cloud technology now give better access to medical information for the masses. Technologies like laser and laparoscopic surgery greatly reduce surgical risks and speed recovery times. These days doctors and patients can also connect through Smartphone apps without even needing an office visit. The days are now here where connectivity to medical providers from home is definitely possible.

In other developments, Immediate Care, Urgent Care, and Express Care handle most non-emergency health issues without a hitch. These affordable and more convenient alternatives are also being covered by many if not most insurance plans. The added benefit of these options is they lighten the load on critical resources such as Emergency rooms allowing them to concentrate on almost exclusively on life threatening health problems.

The well received return Gap Insurance is another plus in the current environment. It’s a nice option that’s available again after being banned under the restrictive ACA rules. People may at some point find themselves between work situations or jobs, but now, if they do have lapses in their health insurance because of this, they have recourse. There are short-term health insurance plans that can address the gaps. These or course cover the affected individuals for up to 1 year at a time. The plans can be re-upped for up to three years as well when needed.

The health insurance landscape has seen tremendous internal change. Care providers and insurers alike are trying to partner whenever possible to lower high prices in the delivering of health care. Insurance companies can integrate with health providers at times to reduce overlap and more efficiently manage patient care. At an increasing rate, insurance companies are trying to integrate needed services with beneficial business partners.

Avoid Health Insurance Costs, Gaps, and Headaches
Now you may be asking, what does all this mean for me? Well, it’s simple. You can avoid many if not most of the headaches and confusing situations by calling Lori Heimbach at the Randy Roberts Insurance Agency. The call and consultation will cost you nothing, and you’ll get professional advice from our caring people who know the health landscape. We want to help you find the right plan for your health needs.

No Cost Help – Choosing the Right Health Insurance Plan in Walnutport PA

Our professional, knowledgeable health expertise at Randy Roberts Insurance Agency is always available free of charge to you. We work with nationally trusted insurance companies to offer quality, affordable health insurance in Walnutport, PA inside or outside of the ACA exchanges. We stay fully up to date on the latest changes and plan offerings available for high quality, affordable insurance. This enables is to serve you, our Walnutport clients with care and attention to detail.

The Randy Roberts Insurance Agency handles all the following kinds of insurance:

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Available Walnutport Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Walnutport Insurance Terms You Need to Know

Deductible
This is the amount you have to pay before your health insurance starts to take up the cost. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins paying out funds, you still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and you bear the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your Walnutport physician or healthcare provider, you pay a fee which can vary depending on who you see and where you go. If you stay within a specified area or network, the fee will most always be less. Consulting with a specialist usually costs more.

Prescription Plan
Many plans only offer prescription coverage in Walnutport as additional insurance for an additional cost. If you must take several medications then this coverage is something you should have. Insurers often only pay 100% or offer a small copayment if you use a generic drug. Most costly name-brand drugs may have much higher copayments.

Supplemental Insurance Plans
There are numerous kinds of supplemental insurance plans for specific Walnutport healthcare issues like dental care and vision. Each of these has a wide range of options for the amount of coverage you may want or need. Other supplemental plans are available for people needing extended nursing care, long term care, or rehabilitation services. An Income Protection plan can replace your lost income if you are not able to work for an extended period of time.

The Right Health Insurance Plan in Walnutport, PA for You

Healthmarkets helps you understand how much your medical care will cost if you use your insurance to its upper limits. We can often change your monthly payment amount substantially by altering other parts of the Health Insurance equation.

We work to find and help you choose the best health insurance plan for your family in Walnutport. At the HealthMarkets Randy Roberts Insurance Agency we can help eliminate gaps in coverage to meet your needs and get you protected with the best possible Health Insurance options for you and your family in or near Walnutport, PA 18088.

Call Lori at HealthMarkets today at (610) 905-2800 and let us find the right insurance for you.

Glen Mills PA Health Insurance

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What You Need to Know to Buy Affordable Quality Health Insurance near Glenn Mills, PA

As you probably see every day, Healthcare and Health Insurance are largely on the minds of everyone in the nation. People are wondering how new laws, executive orders, and court cases will affect their health coverage, and what they need to do to make sure they have quality, affordable insurance. At the Randy Roberts Insurance Agency, we answer all of your questions, take the confusion out of the process, and get you the coverage you need affordably giving you both coverage and peace of mind.

The sometimes skyrocketing costs of health care are on people’s minds and in the news daily, however many think delaying their purchase of health insurance coverage. What they may not be realizing is this coverage would protect them from potentially catastrophic financial loss, so not having it is a roll of the dice. It could result in tremendous financial hardship. The good news is that the laws overseeing our health insurance system are being changed, and new affordable healthcare coverage and plans are becoming available through the easing of state and federal regulations.

Contact Andrew Dascoli at the Randy Roberts Insurance Agency to get the latest information on the best plans offered in Glen Mills Pennsylvania. Our expertise and trusted advice is offered completely free, that’s right, no cost. We are connected internally with most of the nationally well known insurance companies. We only offer plans that provide quality, affordable health insurance, whether they be inside or outside of the Affordable Care Act (ACA) exchanges. We always stay up to date on the recent changes and offerings. That’s why we can find you high quality, affordable insurance that others can’t. We can generally without fail, better serve our clients.

Our free service will help you find the right health insurance for you and your family.

Big Changes in Health Insurance in Glen Mills, PA

Healthcare, Insurance and the Unexpected
An unforeseen illness or sudden accident can leave you and yours with piled up bills and astronomical debts that could take years to pay. Without fail, medical bills are many times a very significant factor in US personal bankruptcies. Andrew Dascoli can find you the plan to fit your needs and budget. We’re confident you won’t ever need to run the unnecessary risk of going without health insurance coverage.

More and more, low cost health plans are becoming available. In an unfolding development, states like Pennsylvania can now apply for waivers from Affordable Care Act insurance mandates. What this does is permit insurance carriers to offer more affordable insurance to people who didn’t want or need coverage required by the Obama era law. Even with mandated subsidies, many people found the exchange plans much too expensive. As an added benefit, these new low cost plans are eligible for ACA.

These days new technologies are also now helping to cut costs and make healthcare more affordable. Many of these newer technologies change the way doctors diagnose medical problems and treat them. Digital cloud technology now gives patients better access to their own medical information. Laser and laparoscopic surgery now often reduce surgical risks and recovery times. And patients and doctors can oftentimes now connect through a Smart Phone app without even the need for an office visit. The days are here where you can connect to medical providers home.

On another front, Urgent Care, Immediate Care, and Express Care now routinely handle care for most non-emergency health issues. This convenient and affordable alternative is also now covered by most insurance plans. The added benefit is they also free up Emergency rooms to concentrate on life threatening health problems.

Gap Insurance is another nice option that is once again available which was banned under the ACA. At times people can find themselves between work/jobs, so they have lapses in their health insurance. Short-term health plans can now address this gap and these cover individuals for up to 12 months at a time. The plans can also be renewed for up to three years if need be.

The healthcare industry is continually undergoing largescale internal changes. Both providers and insurers are more often partnering to reduce the high costs of delivering health care. Insurance companies and providers can at times integrate to reduce unneeded redundancy and efficiently manage patient care. More and more in this day and age, insurance companies are seeking to combine necessary services with suitable business partners.

Avoid Health Insurance Costs, Gaps and Headaches
So what does all this mean for you? Avoid all the headaches and confusion by calling the Andrew Dascoli at the Randy Roberts Insurance Agency. It costs nothing and you get professional advice from caring pros who know the business. We will help you find the right plan for you and your family.

No Cost – Choosing the Right Health Insurance Plan in Glen Mills PA

The professional health advice at Randy Roberts Insurance Agency is always available at no cost to you. We work with nationally recognized insurance companies to offer quality, affordable Gle Mills, PA health insurance inside or outside of the ACA exchanges. We stay current on the latest changes and offerings available for high quality, affordable insurance. This makes us able to better serve you, our Glen Mills clients.

The Randy Roberts Insurance Agency handles all the following kinds of insurance:

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Available Glen Mills Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Glen Mills Insurance Terms You Need to Know

Deductible
This is the amount you have to pay before your health insurance starts to take up the cost. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins paying out funds, you still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and you bear the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your Glen Mills physician or healthcare provider, you pay a fee which can vary depending on who you see and where you go. If you stay within a specified area or network, the fee will most always be less. Consulting with a specialist usually costs more.

Prescription Plan
Many plans only offer prescription coverage in Glen Mills as additional insurance for an additional cost. If you must take several medications then this coverage is something you should have. Insurers often only pay 100% or offer a small copayment if you use a generic drug. Most costly name-brand drugs may have much higher copayments.

Supplemental Insurance Plans
There are numerous kinds of supplemental insurance plans for specific Glen Mills healthcare issues like dental care and vision. Each of these has a wide range of options for the amount of coverage you may want or need. Other supplemental plans are available for people needing extended nursing care, long term care, or rehabilitation services. An Income Protection plan can replace your lost income if you are not able to work for an extended period of time.

The Right Health Insurance Plan in Glen Mills, PA for You

Healthmarkets helps you understand how much your medical care will cost if you use your insurance to its upper limits. We can often change your monthly payment amount substantially by altering other parts of the Health Insurance equation.

We work to find and help you choose the best health insurance plan for your family in Glen Mills. At the HealthMarkets Randy Roberts Insurance Agency we can help eliminate gaps in coverage to meet your needs and get you protected with the best possible Health Insurance options for you and your family in or near Glen Mills, PA 19342.

Call HealthMarkets today at (610) 439-9959 and let us find the right insurance for you.

Protecting Your Sleep

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Protect Your Sleep Pic 1

Protect Your Sleep Picture 1

Sleep, is it really needed? Why do you need help Protecting Your Sleep? Allegedly, if you find a way to actually get enough sleep it decreases your chances of developing certain medical conditions and reduces your chance of worsening heart disease. Wow, so impressive. Research has shown that getting adequate amounts of sleep can actually help lower your chances of gaining weight because you will actually be alert and willing to exercise. Here’s another fun fact, if you sleep well your mood will be altered. Such mood alterations will inevitably affect your work and home life as you’ll be more productive and more pleasant to be around. This research is clearly discriminatory to grouches. 

Can you believe this, risk factors for heart disease (i.e. anxiety & depression) and erectile dysfunction are never associated with getting the appropriate amounts of sleep.  Clearly, advocates of good sleep is really piling on the sweet talk. 

But who are we to tell you whats’s good for you? Perhaps you enjoy waking up sleepy. Maybe you enjoy the thrill of being unable to stay awake during work meetings or while driving. And you relish in waking up during the middle of the night taking 30 minutes to return to your slumber. Look no one has the right to judge you. We all like we what we like. 

Now there maybe a small percentage of you reading this and saying to yourself, what if getting a bit more sleep might be helpful? Below, we have reluctantly compiled some tips to help you spoiled sleepyheads:

1. Develop a consistent bedtime routine.

Routines, bleh! Okay, if you want to be a goody two shoes make efforts to go to bed and awake at the same time  every day. Consistency is key. To take things a step further, dress yourself is your own particular sleepwear before going to bed. By changing into your “sleeping clothes”, you are telling your brain that the party is over and it’s time to sleep.

Protect Your Sleep Pic 3

2. Remove sleep-stealers from your sleeping quarters.  

Where you sleep plays a big factor in how you sleep. No more distractions, the party is over! Turn off the lights and keep away from the electronics before bed. Essentially no fun before bed, the TV must be off and the computer out of the room at least 30 minutes before sleeping. Yes, cellphones are included in this piece of guidance. Don’t bothering trying to find loopholes as it will defeat the purpose. Remove all distractions before bed. 

Protect Your Sleep Pic 2

3. Drink less, exercise more. 

Supposedly you’ve been lied to; alcohol allegedly does not help you sleep better. Also,  my caffeine drinkers, you’re in trouble too. It takes about six hours or more for the body to get rid of caffeine so you should not be drinking caffeinated drinks before bed. It’s recommended that you exercise for better nighttime sleep too. Surprise, surprise the exercise is strongly recommended. 

Protecting Your Sleep Pic 4

4. Stop Stressing Before Bed

Don’t try to manage stressful situations before bed. You’ll just be creating tension within yourself and increase your heart rate before your period of rest. In short, handle your issues long before bed.

Well, hopefully these tips have helped. Remember Sleep is an important part of Protecting Your Immune System Vehicle. Please understand that these articles are meant to be tongue-in-cheek and our intention is to provide you valuable information in a humorous way. Thanks again from Randy Roberts Insurance Agency-We’re the Insurances Centered Around You.

Sources:

(n.d.). Five Ways to Sleep Well and Protect Your Heart. Retrieved from https://www.hopkinsmedicine.org/health/wellness-and-prevention/five-ways-to-sleep-well-and-protect-your-heart

(n.d.). Getting a good night’s sleep. American Psychological Association. Retrieved from https://www.apa.org/helpcenter/sleep-disorders

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